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Active

Active·180 days on market

804 Cameron Oaks Pl

Middleburg, FL 32068

$319,000$161/sqftEst. $1,638/moMLS# 2131461

Beds

Baths

1,981

Sq Ft

2022

Built

Garage

Pool

About this home

Middleburg

Welcome to this beautifully maintained home in the Cameron Oaks community of Middleburg! Featuring a spacious open floor plan, this home is perfect for everyday living and entertaining. The kitchen offers ample cabinets and counter spaceThe primary suite includes a private bath and generous closet space, while additional bedrooms provide flexibility for family, guests, or a home office. Enjoy the fully fenced backyard, ideal for outdoor activities and pets and opens to the living and dining areas. This property near to Oakleaf Plantantion Brings Offer time to BUY OWMER MOTIVATE TO SELL !Tenant now month by month (Not Lease) ready to moving when closing , For Rent Seller incentive $7,500 closing costs

Cost to own

Mortgage calculator

Home Price

$319,000

Down Payment: 20%

$63,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,638

Principal & Interest: $1,638

Property taxes (est.): $489

Insurance (est.): $213

Estimated Total Monthly

$2,340

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.65% · 30yr$1,638

Property taxesest. at asking price, Clay County$489

HOAbilled annually$46

Estimated total, before insurance$2,173/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,765 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History